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Well said, Murray. But keep in mind the need to make those payments last for your lifetime probably keeps your balance large. But mandatory distributions in a traditional IRA at age 70-1/2 can take a big hit--especially if Social Security payments are taxable and consume your lowest tax brackets.

It is probably a good idea to use some of that surplus 15% bracket you describe to do partial Roth conversions and minimize mandatory distributions when you can.

I agree, but a couple thoughts...

I expect we'll have close to $1M in distributions before RMDs kick in.

I've reviewed the RMD tables and I'll consider myself fortunate if I'm forced into our current 33% bracket since that will mean we're pretty much set for the rest of our lives.

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